Is Republic Group Good for Auto Insurance?
Last Updated on October 7, 2026
Republic Group stopped selling personal auto insurance in 2020. Its parent, AmTrust, announced on March 5, 2020 that it would “exit, pending regulatory approval, personal lines products,” and struck a deal with Safeco “to provide personal lines agents appointed with Republic General Agency a compelling opportunity to transition their Republic policies to Safeco.” That covered Texas, Louisiana, Oklahoma, Arkansas, Mississippi and New Mexico, starting in the third quarter of 2020. No independent agent can write you a Republic car insurance policy today.
The company is in good standing, which is worth saying before anything else. A.M. Best rates Republic Underwriters Insurance Company A- (Excellent) with a stable outlook, effective October 10, 2025, and the Republic carriers continue as part of AmTrust writing commercial business. A company in difficulty does not hold that rating. This was a decision to leave one line of business. This review explains what Republic Group was on the personal side, where those policies went, and what to check if you are holding paperwork with the name on it.
If you had a Republic personal auto policy, six years have passed and you are almost certainly insured by somebody else now. Most likely that is Safeco, through the same independent agent, and there is a second step to know about: Liberty Mutual retired the Safeco brand on April 25, 2026, and says “All personal lines products are now solely marketed and sold as Liberty Mutual.” So a policy that started at Republic may well say Liberty Mutual today. Your declarations page settles it, and your agent can explain the chain in one phone call.
Our Rating of Republic Group Auto Insurance
3.5
out of 5
★★★½☆
Summary
Bottom line: There is no Republic car insurance policy to buy. AmTrust exited personal lines in 2020 and Republic’s personal auto book went to Safeco across six states. The Republic companies are still here, still rated A- (Excellent) by A.M. Best, and writing commercial business.
Republic Group is a Dallas insurer with roots going back to 1903, and it sold through independent agents rather than direct. The personal side closed in 2020: AmTrust announced the exit from personal lines on March 5, 2020 and agreed with Safeco to move Republic personal policies across Texas, Louisiana, Oklahoma, Arkansas, Mississippi and New Mexico, beginning in the third quarter of that year. The companies themselves are financially sound, with Republic Underwriters Insurance Company rated A- (Excellent), stable, effective October 10, 2025. If you are tracking an old policy, the name on your current declarations page is what matters, and it is probably no longer Republic.
Best for
- Former policyholders tracing where a Republic personal auto policy went
- Anyone holding older paperwork or an old claim with the Republic name on it
- Agents and businesses dealing with the Republic companies on the commercial side
Not ideal for
- Anyone shopping for a new personal auto policy, in any of the six states or outside them
- Drivers hoping to add a vehicle or a driver to a Republic personal policy
- Shoppers who need coverage now and should be looking at carriers that write it
- Our Rating of Republic Group Auto Insurance
- What Is Republic Group?
- Who Owns Republic Group?
- Can You Still Get a Republic Group Auto Insurance Quote?
- How Republic Group Auto Insurance Works
- Republic Group Auto Insurance Discounts
- Ratings and Reputation: What to Check Before You Buy
- A Brief History of Republic Group
- Final Word: Is Republic Group a Good Insurance Company?
- FAQs on Republic Group Auto Insurance
- Sources
What Is Republic Group?
Republic Group, sometimes called Republic Companies Group, is an insurance organization based in Dallas, Texas. It used to write personal lines, auto and homeowners among them, through a network of independent agents. That ended in 2020. What the Republic carriers write now is commercial business inside the AmTrust group, which is also where their financial strength rating sits. One practical note for anyone trying to check the company for themselves: republicgroup.com cannot be opened, because its security certificate is not valid for that web address, so there is no company site to read.
Who Owns Republic Group?
Republic Group companies are part of the broader AmTrust group of carriers. AmTrust describes itself today as “a niche specialty property and casualty insurance company” for small to mid-sized businesses, listing workers’ comp, businessowners policies, commercial packages, cyber, general liability and commercial property. Personal lines are not on that list, and the Republic name does not appear on AmTrust’s own About page at all. That is the shape of the group now: commercial, specialty, and no car insurance for individuals.
Because insurance policies are issued by specific legal entities, the company name printed on your declarations page matters. Two policies sold by the same agent under the “Republic” umbrella could be issued by different Republic/AmTrust-affiliated insurers depending on location, vehicle type, and underwriting guidelines.
Can You Still Get a Republic Group Auto Insurance Quote?
For a personal vehicle, no. The quote path closed with the 2020 exit, and an agent who once wrote Republic personal auto has been placing that business elsewhere for six years. The agency relationship is still the useful part of the story, because an independent agent who used to sell you Republic can quote you several carriers that are writing today. Here is what to expect if you call one.
| What to Expect | Why It Matters |
|---|---|
| A Republic personal auto quote is not available anywhere | AmTrust exited personal lines in 2020; the Republic book moved to Safeco in six states |
| Your old policy has probably changed names twice | Republic to Safeco in 2020, and Safeco to Liberty Mutual branding in April 2026. Confirm the insurer name on your current declarations page |
| The agent is still worth calling | An independent agency can quote several carriers that write personal auto in your state, and it already holds your history |
How Republic Group Auto Insurance Works
Republic Group auto insurance worked like most standard personal auto policies: you chose the liability limits your state required and added optional coverages to protect your own vehicle and cut your out-of-pocket costs after a claim. The table below is here as a comparison tool. If you are replacing an old Republic policy, these are the lines to match on the new one, because matching the coverage matters more than matching the price.
At a high level, the choice was the same one every driver still faces: state-minimum liability, or broader protection that includes physical damage coverage.
| Coverage Type | What It Typically Covers | Who It’s For |
|---|---|---|
| Minimum liability insurance | Injuries and property damage you cause to others (up to your limits) | Drivers meeting legal requirements who can absorb repair costs on their own vehicle |
| Full coverage (liability + comp/collision) | Includes coverage for damage to your vehicle from crashes (collision) and many non-collision events (comprehensive), subject to deductibles | Drivers financing a vehicle, protecting a newer car, or avoiding large repair bills |
| Uninsured/underinsured motorist (where available) | May help if you’re hit by a driver with no or insufficient insurance (rules vary by state) | Drivers who want extra protection beyond the other driver’s limits |
| Medical payments/PIP (where available) | May help with injury-related expenses for you and passengers (rules vary by state) | Drivers who want a buffer for medical costs after a crash |
Republic Group Auto Insurance Discounts
These were the discount categories that applied to Republic personal auto policies, and they are worth reading for one reason: they are the checklist to walk through with an agent on a replacement policy, so a credit you already had does not quietly disappear. Eligibility rules differ by carrier and state, so treat every line as “possible” until it shows up on a quote.
Here are common discount categories often seen with carriers that offer auto insurance discounts:
| Discount Category | What It Usually Requires | Notes |
|---|---|---|
| Insurance score / credit factors | Strong credit indicators may reduce risk-based pricing | Many insurers use a credit-based insurance score where permitted by state law |
| Multi-policy (bundling) | Auto + another eligible policy (often home, renters, or condo) | Commonly marketed as a “companion policy” discount; see how bundling auto and homeowners can work |
| Homeownership | Owning a home (even if your home insurance is elsewhere) | Some insurers price differently for homeowners; learn more about homeowner auto discounts |
| Affinity / group discounts | Membership in certain organizations, employers, or groups | Eligibility varies widely; examples are discussed in group discount programs |
| Claims-free renewal | Renewing without recent losses | Often applied automatically if eligible |
| Mature driver | Older drivers with a stable driving history | Rates can change by age and record; see how premiums can shift in later years (for example, around age 70) |
| Driver training / defensive driving | Approved course completion | Requirements vary; some states require specific providers—review defensive driving discounts |
| Good student | Qualifying grades or academic standing | Most programs require documentation; see the typical rules for a good student discount |
| Student away at school | Student attends school away from home without regular access to the insured vehicle | Often requires full-time enrollment and mileage limits; learn how a distant student discount works |
Ratings and Reputation: What to Check Before You Buy
Two things are worth checking on any smaller or regional insurer: financial strength, meaning the ability to pay claims, and consumer experience, meaning how claims and billing get handled. On the first count, Republic looks fine, which is the point worth making on a page about a company that left a market.
Financial strength: A.M. Best lists Republic Underwriters Insurance Company with a Financial Strength Rating of A- (Excellent) (effective October 10, 2025). You can review the rating history directly through A.M. Best’s profile page.
BBB profile: The Better Business Bureau keeps a listing for The Republic Group in Dallas, and it is thin. The business is not BBB accredited and carries no rating, with the BBB saying it “does not have sufficient information to issue a rating on this business.” The file does put the start of the business at 1903. Read it as a record that the company exists rather than as a scorecard: BBB’s business profile.
Quick tip: If you are chasing an old Republic policy or claim, read the insurer name off the declarations page for the period in question rather than the brand on the envelope. “Republic” covers several legal entities, the personal book changed hands in 2020, and the company servicing a 2019 claim is not the one servicing your car today.
A Brief History of Republic Group
Republic’s roots trace back to early 1900s Texas insurance operations, with origins commonly cited to 1903 in Dallas, a date the company’s BBB file also carries. It grew from a Texas fire insurer into a broader property and casualty operation, was taken into the AmTrust group, and in 2020 handed its personal lines business to Safeco and stayed on the commercial side. Agents in the region still deal with the Republic name. Drivers do not.
Because the company’s history is closely associated with Dallas, drivers shopping locally may also compare options in the area, including cheap car insurance in Dallas strategies like adjusting coverages and shopping multiple carriers through an agent.
Final Word: Is Republic Group a Good Insurance Company?
As a car insurance company, Republic Group is a closed chapter. It left personal lines in 2020, its personal auto policyholders were offered a path to Safeco, and its carriers went on writing commercial business with an A- (Excellent) rating from A.M. Best. If you see a site offering Republic auto quotes, it is working from old information. The part of the advice that still holds is the part about the quote itself: confirm the underwriting company name, and compare coverage limits and deductibles rather than the monthly price, against at least a few insurers that are actually writing.
To get started, call a local independent agent. If your policy began at Republic, that agency likely still has your file and can tell you in a minute whose name is on your coverage now and whether it is still priced competitively.
My advice: if a policy of yours has been handed from one company to another, treat the handover as a reason to shop rather than a reason to relax. Transferred books rarely get re-shopped, and a policy that has drifted through two names in six years has had plenty of chances to stop being a good deal.
FAQs on Republic Group Auto Insurance
Sources
Checked October 5, 2026
